RatePilot Privacy Policy

High Mobile LLC d/b/a RatePilot

Effective Date: May 13, 2026 | Last Updated: May 13, 2026

This Privacy Policy describes how High Mobile LLC, doing business as RatePilot ("RatePilot," "we," "us," or "our"), collects, uses, discloses, and protects your personal information when you visit ratepilotfl.com (the "Site"), request an insurance quote, or communicate with us. This policy is designed to comply with the Telephone Consumer Protection Act (TCPA), the CAN-SPAM Act, the Gramm-Leach-Bliley Act (GLBA), the Florida Digital Bill of Rights (FDBR), the Florida Telephone Solicitation Act (FTSA), and other applicable federal and state laws.

By using our Site or providing your information to us, you acknowledge that you have read and understood this Privacy Policy.

1. INFORMATION WE COLLECT

We collect the following categories of personal information:

Contact information: full name, mailing address, email address, and telephone number.

Insurance-related information: vehicle details, property details, current insurance carrier, policy information, driving history, date of birth, marital status, and other underwriting information you provide.

Communication data: records of your communications with us, including SMS, email, and phone call logs, and your marketing and communication preferences and consent status.

Technical data: IP address, browser type, device identifiers, pages visited, and similar analytics data collected automatically through cookies and tracking technologies.

Consent records: timestamp, IP address, and the specific form or method through which you provided consent to be contacted.

2. HOW WE COLLECT INFORMATION

We collect information directly from you when you submit a quote request form on our Site, contact us by phone, SMS, or email, or otherwise voluntarily provide it. We may also receive your information from authorized marketing partners that have obtained your prior express written consent to be contacted by RatePilot regarding insurance products and services. We collect technical data automatically through cookies and analytics tools when you visit our Site.

3. HOW WE USE YOUR INFORMATION

We use your personal information solely for legitimate business purposes, including:

Preparing and delivering insurance quotes and coverage options.

Communicating with you about your inquiries, quotes, policies, and service requests.

Sending you transactional messages such as quote delivery, policy follow-ups, and appointment confirmations.

Sending you promotional messages about insurance offers, rate comparisons, and renewal reminders, where you have consented to receive them.

Submitting your information to licensed insurance carriers for underwriting and binding purposes.

Complying with legal, regulatory, and licensing obligations.

Improving our Site, services, and customer experience.

4. SMS / TEXT MESSAGING PROGRAM & TCPA DISCLOSURE

By providing your telephone number and checking the consent box on our quote request form, you provide your prior express written consent to receive recurring autodialed and/or prerecorded marketing and informational SMS/text messages and telephone calls from RatePilot at the number provided. You acknowledge and agree that:

Consent to receive marketing communications is not a condition of purchasing any goods or services.

Message frequency varies based on your interaction with us and the status of your inquiry.

Message and data rates may apply, depending on your mobile carrier and plan.

You may opt out of SMS messages at any time by replying STOP to any text message. You may reply HELP for assistance.

Upon opting out, you will receive one confirmation message and no further marketing messages, although you may still receive transactional messages where legally permitted or by separate consent.

This consent applies even if your telephone number is listed on any state or the National Do Not Call Registry.

We honor all opt-out requests promptly and maintain records of consent and opt-out status.

5. EMAIL COMMUNICATIONS & CAN-SPAM COMPLIANCE

We may send you transactional and marketing emails. Every marketing email we send includes a clear and conspicuous unsubscribe mechanism. You may opt out of marketing emails at any time by clicking the unsubscribe link in any email or by contacting us directly. We will process opt-out requests within ten (10) business days as required by the CAN-SPAM Act. Transactional emails relating to active inquiries or policies may continue where legally permitted.

6. HOW WE SHARE YOUR INFORMATION

We do not sell, rent, or trade your personal information to third parties for their own marketing purposes. No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. All categories above exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties. We share your information only as follows:

Insurance carriers and underwriters: to obtain quotes and bind coverage on your behalf.

Service providers and processors: third-party platforms that help us operate our business, including our customer relationship management platform (HighLevel), our telecommunications and messaging provider (Twilio), our email and productivity provider (Google), and our analytics providers. These providers are contractually obligated to protect your information and use it only to provide services to us.

Insurance network affiliations: aggregator networks through which we access carrier markets, solely for the purpose of facilitating your coverage.

Legal and regulatory authorities: where required by law, subpoena, court order, or to protect our legal rights.

7. COOKIES & TRACKING TECHNOLOGIES

Our Site uses cookies and similar tracking technologies to operate the Site, analyze usage, and improve performance. You may control or disable cookies through your browser settings, though some Site features may not function properly if cookies are disabled. We may use third-party analytics tools that collect aggregated, non-identifying usage data.

8. DATA RETENTION

We retain your personal information for as long as necessary to fulfill the purposes described in this policy, to comply with our legal, regulatory, tax, accounting, and insurance recordkeeping obligations, and to resolve disputes. Insurance-related records are generally retained for the minimum period required by Florida insurance regulations. When information is no longer required, we securely delete or anonymize it.

9. DATA SECURITY

We implement reasonable administrative, technical, and physical safeguards designed to protect your personal information against unauthorized access, disclosure, alteration, or destruction. However, no method of transmission or storage is completely secure, and we cannot guarantee absolute security.

10. YOUR RIGHTS UNDER THE FLORIDA DIGITAL BILL OF RIGHTS

If you are a Florida resident, you have the following rights with respect to your personal information, subject to certain exceptions:

The right to know and access the personal information we have collected about you.

The right to correct inaccurate personal information.

The right to request deletion of your personal information.

The right to opt out of the processing of your personal information for targeted advertising or the sale of personal data.

The right to opt out of marketing communications at any time.

The right not to be discriminated against for exercising any of these rights.

To exercise any of these rights, contact us using the information in the "Contact Us" section below. We will verify your identity and respond within the timeframe required by applicable law.

11. CHILDREN'S PRIVACY

Our Site and services are not directed to individuals under the age of eighteen (18). We do not knowingly collect personal information from minors. If we become aware that we have inadvertently collected information from a minor, we will delete it promptly.

12. THIRD-PARTY LINKS

Our Site may contain links to third-party websites. We are not responsible for the privacy practices or content of those sites. We encourage you to review the privacy policies of any third-party sites you visit.

13. CHANGES TO THIS PRIVACY POLICY

We reserve the right to update this Privacy Policy at any time. Material changes will be posted on this page with a revised effective date. Your continued use of our Site or services after changes are posted constitutes acceptance of the updated policy.

14. CONTACT US

If you have questions about this Privacy Policy or wish to exercise your privacy rights, please contact us:

RatePilot (High Mobile LLC) | 600 E Dania Beach Blvd, Apt 819, Dania Beach, FL 33004 | Phone: +1 (754) 208-1440 | Email: [email protected]